Search found 6444 matches

by MotoTrojan
Wed Nov 13, 2019 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Are complicated credit card cash back strategies worth it?
Replies: 20
Views: 1048

Re: Are complicated credit card cash back strategies worth it?

Absolutely, as are credit card sign-up bonuses but that isn't what you asked about. My largest spend is on restaurants, followed up by travel and groceries. I use a Wells Propel and Visa Signature combo to get 4.5% back on dining, travel, and gas which can fund roundtrip flights for two annually. Fo...
by MotoTrojan
Wed Nov 13, 2019 1:03 am
Forum: Personal Investments
Topic: Buy some VYM [Vanguard High Dividend Yield]?
Replies: 14
Views: 1082

Re: Buy some VYM?

I just checked on VYM today, and on the Vanguard summary for 2018, its dividends taxed at the long-term capital gains rate were 100% qualified dividends. As I understand it, qualified dividends are taxed at the same rate as long-term capital gains. This is money that I will most likely need beginni...
by MotoTrojan
Wed Nov 13, 2019 12:51 am
Forum: Personal Investments
Topic: International Small Cap Value?
Replies: 32
Views: 4545

Re: International Small Cap Value?

Avantis has new ETF products for both International Small/Value and Emerging Markets though you need a Brokerage Window in your 401(k) plan to access. I am using Wisdom Tree International Small-Cap Dividend for International Small/Value. In another thread, folks did product comparison. Larry Swedro...
by MotoTrojan
Wed Nov 13, 2019 12:16 am
Forum: Personal Investments
Topic: Fund similar to Fidelity FFIZX?
Replies: 3
Views: 176

Re: Fund similar to Fidelity FFIZX?

Stocks and bonds have been on a tear. It’s not a sure fire fact that it’ll return the same in the future. Don’t pick a fund based on it doing well for you, pick one that meets your desired allocation. I’m sure Fidelity has a 2040 retirement fund available. Be careful to pick one with the word “index...
by MotoTrojan
Wed Nov 13, 2019 12:11 am
Forum: Personal Investments
Topic: International Small Cap Value?
Replies: 32
Views: 4545

Re: International Small Cap Value?

Any updates on Int SCV and EMerging Markets? I have some cash sitting in a Fido 401K and want to put into above - note sure what funds to use. Avantis has new ETF products for both International Small/Value and Emerging Markets though you need a Brokerage Window in your 401(k) plan to access. I am ...
by MotoTrojan
Tue Nov 12, 2019 11:43 pm
Forum: Personal Investments
Topic: International Small Cap Value?
Replies: 32
Views: 4545

Re: International Small Cap Value?

Any updates on Int SCV and EMerging Markets? I have some cash sitting in a Fido 401K and want to put into above - note sure what funds to use. Avantis has new ETF products for both International Small/Value and Emerging Markets though you need a Brokerage Window in your 401(k) plan to access. I am ...
by MotoTrojan
Tue Nov 12, 2019 11:22 pm
Forum: Personal Finance (Not Investing)
Topic: HSA questions
Replies: 3
Views: 356

Re: HSA questions

I am not well versed in healthcare costs but I cannot imagine that saving $3500/ea in taxable income plus the future tax-drag of dividends is worth the cost of healthcare outside of your employer. Does your employer not cover most of your insurance costs?
by MotoTrojan
Tue Nov 12, 2019 10:43 pm
Forum: Personal Investments
Topic: International Small Cap Value?
Replies: 32
Views: 4545

Re: International Small Cap Value?

Many use the ETF DLS (WIsdomTree Intern'l Small Dividend Fund) as a reasonable proxy for International small cap value. It's not necessarily the best choice, but I use it since I don't want to pay an advisor for access to DFA. I hold it in a tax-favored account as I did not want to have" buyer's re...
by MotoTrojan
Tue Nov 12, 2019 10:22 pm
Forum: Personal Investments
Topic: Searching for broad ETF that tilts value
Replies: 11
Views: 355

Re: Searching for broad ETF that tilts value

yaqub wrote:
Tue Nov 12, 2019 10:20 pm
INTeresting. I've never purchased a small cap. Will research.
Sure you have. VXUS has some :).
by MotoTrojan
Tue Nov 12, 2019 10:05 pm
Forum: Investing - Theory, News & General
Topic: Flaws with 4% Rule?
Replies: 17
Views: 1960

Re: Flaws with 4% Rule?

I like 5% of portfolio balance with 3% inflation adjusted floor. Automatically allows you to spend more in good years and less in bad. This would be interesting to backtest but I feel this would be much more sensitive to asset allocation with low equity portfolios that normally are fairly robust to...
by MotoTrojan
Tue Nov 12, 2019 9:55 pm
Forum: Personal Investments
Topic: Searching for broad ETF that tilts value
Replies: 11
Views: 355

Re: Searching for broad ETF that tilts value

New here. SItuation: My wife's Roth is currently in QQQ and VXUS. Bond-like things elsewhere. I'm searching for an ETF that is broad, has some mid/small cap presence, tilts a bit value,defensive oriented. Trying not to replicate the main holdings of QQQ (Apple, Microsoft, Amazon, Facebook, Intel, A...
by MotoTrojan
Tue Nov 12, 2019 9:39 pm
Forum: Personal Investments
Topic: Buy some VYM [Vanguard High Dividend Yield]?
Replies: 14
Views: 1082

Re: Buy some VYM?

I'm also a contrarian dividends aficionado. My comment would be if looking for high and consistent Vanguard dividend yield turn to utilities (VPU) or to REITs (VNQ). As a long term investor in all three (reinvesting dividends) both of these ETFs or their mutual fund equivalents will consistently an...
by MotoTrojan
Tue Nov 12, 2019 9:00 pm
Forum: Personal Investments
Topic: Searching for broad ETF that tilts value
Replies: 11
Views: 355

Re: Searching for broad ETF that tilts value

There are a few options, but if your goal is just to get closer to the broad US market then I would just cash out of QQQ and put everything into VTI or ITOT (Total US Market Funds) to compliment the VXUS nicely.
by MotoTrojan
Tue Nov 12, 2019 8:58 pm
Forum: Personal Investments
Topic: Is this too simple
Replies: 7
Views: 1032

Re: Is this too simple

Wellington fund is indeed an excellent fund, but do not be blind to its potential drawbacks too. It is an actively managed fund, with a Small Cap Value tilt a bit, and has only 95 stocks in it. That is it. The total market index fund instead has 3300+ stocks. If you want simplicity, I recommend Van...
by MotoTrojan
Tue Nov 12, 2019 8:41 pm
Forum: Personal Investments
Topic: Getting comfortable with AA heading into retirement
Replies: 1
Views: 256

Re: Getting comfortable with AA heading into retirement

30% equity seems low at your age. What withdrawal rate will you be using from that $5M?

Biggest risk is your exposure to single stock. Get that out and reinvested ASAP.
by MotoTrojan
Tue Nov 12, 2019 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: 29yr Big 4 Tech Consultant Pursuing Higher Earning Potential
Replies: 11
Views: 2211

Re: 29yr Big 4 Tech Consultant Pursuing Higher Earning Potential

HEDGEFUNDIE wrote:
Tue Nov 12, 2019 6:02 pm
MrProcess wrote:
Tue Nov 12, 2019 12:21 pm
Salesforce Implementations and CPQ are my specialities. You're right I need to expand on this skillset further in order to progress.
My team actually has an opening right now that could be a good fit for you. If you are open to moving to the Bay Area, shoot me a PM.
This makes me happy.
by MotoTrojan
Tue Nov 12, 2019 4:57 pm
Forum: Investing - Theory, News & General
Topic: The End Is Near....Isn't It ?
Replies: 27
Views: 1883

Re: The End Is Near....Isn't It ?

Zero chance the dow can go past 22,000 with the upcoming election, extremely high valuations, 8 year bull market, and low interest rate environment. Set a Asset Allocation to limit your downside and ensure you can sleep and start ignoring the "experts". You are investing for the prices 10 YEARS fro...
by MotoTrojan
Tue Nov 12, 2019 4:23 pm
Forum: Personal Investments
Topic: Vanguard Index Funds vs Fidelity Managed Assets Program
Replies: 10
Views: 859

Re: Vanguard Index Funds vs Fidelity Managed Assets Program

If you are well versed enough to understand what that managed portfolio does (sounds like you are) then you are too well versed to need any management support. At that ratio it’s extra egregious. Setup your own portfolio and save that expense. I do like the idea of consolidating to Fidelity; I recen...
by MotoTrojan
Tue Nov 12, 2019 3:40 pm
Forum: Personal Investments
Topic: New Employer - 401(k)
Replies: 5
Views: 200

Re: New Employer - 401(k)

If you don't care about your small/mid-cap exposure then yes that seems prudent; IMHO unless you are tilting heavily to small/mid, Total US (80/20 S&P500 and Extended Market) is essentially equivalent to just putting it all in S&P500. I probably wouldn't personally transfer unless I was transferring...
by MotoTrojan
Tue Nov 12, 2019 3:27 pm
Forum: Investing - Theory, News & General
Topic: Flaws with 4% Rule?
Replies: 17
Views: 1960

Re: Flaws with 4% Rule?

dbr wrote:
Tue Nov 12, 2019 3:25 pm
If you want to contemplate a variable rate of withdrawal this approach may be of interest: https://www.bogleheads.org/wiki/Variabl ... withdrawal
+1 it sounds like OP would do well with a fixed percentage of current portfolio balance, which could be a good bit above 4%.
by MotoTrojan
Tue Nov 12, 2019 3:24 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 330
Views: 37776

Re: Small Cap Value heads Rejoice !!!

Forester wrote:
Tue Nov 12, 2019 3:22 pm
Is an ETF which screens as being deeper value necessarily better? It could also be a collection of laggards. Surely one would want a mixture of cheap stocks + stocks which are moving up.
I like quality and value. S&P600’s earnings screen helps there.
by MotoTrojan
Tue Nov 12, 2019 2:58 pm
Forum: Personal Investments
Topic: Roth IRA Portfolio Options
Replies: 19
Views: 709

Re: Roth IRA Portfolio Options

You have one retirement portfolio, pick an AA for that. Then distribute the assets to your Roth, 401K, taxable, HSA, etc, depending on tax-efficiency, fund options, and expenses.
by MotoTrojan
Tue Nov 12, 2019 2:43 pm
Forum: Personal Investments
Topic: Investing $140k in cash at 1k per week
Replies: 115
Views: 6087

Re: Investing $140k in cash at 1k per week

Just curious, people who are anti-DCA, are you anti-bonds also? Because at the end of the day, having 40% of your portfolio allocated to bonds is a waste of your return that you could've gotten by investing that portion in s&p 500 instead. If we agree that the stock market will always go up, then w...
by MotoTrojan
Tue Nov 12, 2019 2:23 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 330
Views: 37776

Re: Small Cap Value heads Rejoice !!!

Looking to start a position in AVDV and continue to research it against other funds, namely DLS. Will prioritize contributions there to catch up with domestic SCV, which means I’ll still hold most of that in the Vanguard CRSP offering rather than S&P600. Looks like AVDV is deeper value and iirc Lar...
by MotoTrojan
Tue Nov 12, 2019 9:51 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 1469
Views: 102530

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Just a heads up on anyone trying this strategy with leverage funds in the UK - the Wisdomtree funds for 3x S&P500 and FTSE100 have charges over 3.5% p.a.!! Instead if you can find the leverage funds from SG their charges are 0.75% which I think are better for buy and hold No it is 0.75%. All the fe...
by MotoTrojan
Tue Nov 12, 2019 9:49 am
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 330
Views: 37776

Re: Small Cap Value heads Rejoice !!!

Looking to start a position in AVDV and continue to research it against other funds, namely DLS. Will prioritize contributions there to catch up with domestic SCV, which means I’ll still hold most of that in the Vanguard CRSP offering rather than S&P600.
by MotoTrojan
Mon Nov 11, 2019 11:55 pm
Forum: Personal Consumer Issues
Topic: Los Angeles to San Francisco Roadtrip
Replies: 18
Views: 1118

Re: Los Angeles to San Francisco Roadtrip

Madonna Inn is a fun eclectic hotel about halfway. Themed rooms.
by MotoTrojan
Mon Nov 11, 2019 11:05 pm
Forum: Personal Investments
Topic: Investing $140k in cash at 1k per week
Replies: 115
Views: 6087

Re: Investing $140k in cash at 1k per week

You’re not understanding mototrojan’s point. And it’s important. You are continuously (implicitly) making investment decisions that impact the value/risk/cost of assets you have, right now, this minute... Ignoring taxes,,,, If today you have A. $1m cash in bank account, B. $1m in bitcoin from $10 i...
by MotoTrojan
Mon Nov 11, 2019 10:42 pm
Forum: Personal Investments
Topic: Investing $140k in cash at 1k per week
Replies: 115
Views: 6087

Re: Investing $140k in cash at 1k per week

DCA certainly makes sense in some contexts, for example when investing excess income periodically. I,e. I have 20 extra bucks a month and I’ll invest that monthly. DCA is great in this scenario. That’s why so much financial porn has been developed supporting DCA. But IMO when you have a large uninv...
by MotoTrojan
Mon Nov 11, 2019 10:38 pm
Forum: Personal Investments
Topic: Investing $140k in cash at 1k per week
Replies: 115
Views: 6087

Re: Investing $140k in cash at 1k per week

Let me give you another analogy that may help with the 401k one to show you that money is fungible and it doesn't matter how you got it. If you invested $100 in Bitcoin (or any high-growth investment) and it turned into $10M, but you decided to hold out and it eventually went to $0. Did your decisi...
by MotoTrojan
Mon Nov 11, 2019 10:20 pm
Forum: Personal Investments
Topic: Investing $140k in cash at 1k per week
Replies: 115
Views: 6087

Re: Investing $140k in cash at 1k per week

Let me give you another analogy that may help with the 401k one to show you that money is fungible and it doesn't matter how you got it. If you invested $100 in Bitcoin (or any high-growth investment) and it turned into $10M, but you decided to hold out and it eventually went to $0. Did your decisi...
by MotoTrojan
Mon Nov 11, 2019 9:16 pm
Forum: Personal Investments
Topic: Investing $140k in cash at 1k per week
Replies: 115
Views: 6087

Re: Investing $140k in cash at 1k per week

Hello :happy I have $140k in high yield saving accounts (FDIC insured) that pays me %2 - %2.20 in annual interest. My plan is to is transfer $1000 from my saving account to my brokerage account and buy $1000 worth of VTI every week . At this rate, it would take a bit more than 2.5 years to invest a...
by MotoTrojan
Mon Nov 11, 2019 9:15 pm
Forum: Personal Investments
Topic: Investing $140k in cash at 1k per week
Replies: 115
Views: 6087

Re: Investing $140k in cash at 1k per week

And there is no way to justify lump sum over DCA unless you looked into the future and found out that the stock market keeps rising up and there is no market crash in the near term. Your lump sum position is just as psychological as DCA because you have a strong belief that there is no near term re...
by MotoTrojan
Mon Nov 11, 2019 9:08 pm
Forum: Investing - Theory, News & General
Topic: VTWAX/VTWSX availability at Fidelity
Replies: 17
Views: 1810

Re: VTWAX/VTWSX availability at Fidelity

Why not transfer the cash to Fidelity?
by MotoTrojan
Mon Nov 11, 2019 7:43 pm
Forum: Personal Investments
Topic: Investing $140k in cash at 1k per week
Replies: 115
Views: 6087

Re: Investing $140k in cash at 1k per week

The advantage of dollar cost averaging into stocks is really more psychological than anything else. You are basically trying to minimize regret from going all in and losing 50% if a really bad correction comes. It is not about maximizing expected return. In my opinion, what you should do instead of...
by MotoTrojan
Mon Nov 11, 2019 7:41 pm
Forum: Personal Investments
Topic: Investing $140k in cash at 1k per week
Replies: 115
Views: 6087

Re: Investing $140k in cash at 1k per week

timetraveler wrote:
Mon Nov 11, 2019 6:51 pm
Ok, looks like most recommended 12 months for DCA instead of 2.5 years. Is there a clear reason why 12 months is better?
Again, this is purely an emotional thing. The only timeline for investment that has a clear, rationale, and logical reason behind it is to lump sum.

Good luck.
by MotoTrojan
Mon Nov 11, 2019 6:42 pm
Forum: Personal Investments
Topic: Investing $140k in cash at 1k per week
Replies: 115
Views: 6087

Re: Investing $140k in cash at 1k per week

I think it is a terrible plan personally. If you had $1.4M instead, accumulated in a 401k over 25 years of prudent saving/investing, would you move it all to money market (tax-free transaction) and then redeploy it over 2.5 years, or even over 3-6 months? Of course not; it has been invested for dec...
by MotoTrojan
Mon Nov 11, 2019 3:59 pm
Forum: Personal Investments
Topic: Investing $140k in cash at 1k per week
Replies: 115
Views: 6087

Re: Investing $140k in cash at 1k per week

Question: If you had 140k already invested today, would you withdraw all of it in cash now, and slowly reinvest? Or, just leave it? I often run into this analogy regarding lump sum vs. DCA investment. "withdraw all of it in cash now, and slowly reinvest" is lump sum out and DCA in. If you truly bel...
by MotoTrojan
Mon Nov 11, 2019 3:57 pm
Forum: Personal Investments
Topic: Investing $140k in cash at 1k per week
Replies: 115
Views: 6087

Re: Investing $140k in cash at 1k per week

I think it is a terrible plan personally. If you had $1.4M instead, accumulated in a 401k over 25 years of prudent saving/investing, would you move it all to money market (tax-free transaction) and then redeploy it over 2.5 years, or even over 3-6 months? Of course not; it has been invested for deca...
by MotoTrojan
Mon Nov 11, 2019 1:00 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 1469
Views: 102530

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Because there is still a slight chance that the whole thing will fail. Who knows, maybe we'll have 10-20 years of sideways stock markets with higher volatility than expected? This might put the SSO down to a level where it would take ages to recover. The future will be different than the past. We c...
by MotoTrojan
Mon Nov 11, 2019 12:48 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 1469
Views: 102530

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Then why not hold 100% SSO? Because: - We don't know if USA will keep outperforming the rest of the world. Japan had once the highest market cap in the world, where are they now? - What looks easy on paper might end up impossible to endure in reallife. What are the psychological effects of seeing y...
by MotoTrojan
Mon Nov 11, 2019 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1202
Views: 146477

Re: Fidelity as a one stop shop

Just opened an HSA and my SO opened a Roth which I have linked access to view from my account. I’m quite close to one stop shop now with my taxable and banking at Fidelity too. Loving the customer support; great help even in live chat.
by MotoTrojan
Mon Nov 11, 2019 12:32 pm
Forum: Investing - Theory, News & General
Topic: Ex DFA CIO launches competitor which will also have ETFs
Replies: 157
Views: 16250

Re: Ex DFA CIO launches competitor which will also have ETFs

these ETFs are perfectly liquid if you don't mind accepting the market maker's spread which isn't too bad, they have a good market maker. only difference from a more frequently traded etf is you're less likely to get another investor to meet you in the middle of the spread. imo same rules apply, us...
by MotoTrojan
Mon Nov 11, 2019 12:29 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 1469
Views: 102530

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Volatility decay kills these products unless they are regularly rebalanced with imperfectly correlated holdings. I would not do this. That's not true. You can do a backtest from 1927-2019 with 25 year periods of monthly investing. Only 12 out of 67 periods SSO would have underperformed the SP500, b...
by MotoTrojan
Mon Nov 11, 2019 10:47 am
Forum: Investing - Theory, News & General
Topic: Ex DFA CIO launches competitor which will also have ETFs
Replies: 157
Views: 16250

Re: Ex DFA CIO launches competitor which will also have ETFs

So who is giving it a go? I have always wanted to tilt small-value Internationally and this thread has sprung me to start researching some of the offerings. DLS was intriguing but AVDV is as well due to the lower expense ratio. I would be holding this in a Roth IRA. With these sorts of less liquid E...
by MotoTrojan
Mon Nov 11, 2019 10:36 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 1469
Views: 102530

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

@HEDGEFUNDIE How would you approach this with almost no assets and a high savings rate? I was thinking about 70% VT + 30% SSO for the next 25-30 years, no bonds. But how would you rebalance such a portfolio? Or not rebalance it at all and let things play out? Volatility decay kills these products u...
by MotoTrojan
Mon Nov 11, 2019 12:35 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 1469
Views: 102530

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

You'd have to go all the way back to July 31st 2019 to see these prices, dividends aside. I hold TMF. Its down a lot and I have been putting capital to it. As a consolation, TQQQ is up a lot so I am still down 2%. Albeit the market is up 6%. As some said before, if the market tanks AND rates fall I...
by MotoTrojan
Sun Nov 10, 2019 11:04 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 1469
Views: 102530

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

While I'm no longer in TMF myself, watching it fall so precipitously from such highs is painful. I just needed to get that off my chest. You'd have to go all the way back to July 31st 2019 to see these prices, dividends aside. I hold TMF. Its down a lot and I have been putting capital to it. As a c...
by MotoTrojan
Fri Nov 08, 2019 6:47 pm
Forum: Investing - Theory, News & General
Topic: Philadelphia Inquirer reports--Vanguard cut fees, this time on 15 S&P and Russell index-based ETFs
Replies: 13
Views: 1833

Re: Philadelphia Inquirer reports--Vanguard cut fees, this time on 15 S&P and Russell index-based ETFs

Great news. With these changes, IVOV and VIOV will now have the same 0.15% ER as MDYV and SLYV. VOOV (0.10% ER) will still be more expensive than SPYV (0.04% ER), and VIOO and IVOO (0.10% ER) will still be more expensive than IJH and IJR (0.07% ER). Interesting. I wonder if state street will respon...
by MotoTrojan
Fri Nov 08, 2019 6:29 pm
Forum: Personal Investments
Topic: Series A funding Questions
Replies: 4
Views: 318

Re: Series A funding Questions

I would try to estimate future exit valuation and how many raises of how much will it take to get there. Dilution is a big deal. 1% of a company sounds nice but at Series-A you’re probably looking at less than 25% of that.